SoFi Bank vs. Zynlo Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | SoFi BankSoFi Savings Jan 21, 2026 | Zynlo BankTomorrow Savings Account Jan 21, 2026 |
|---|---|---|
| APY | 3.30% - 4.00% | 3.85% |
Est. Earnings | $5,000+$183 $10,000+$365 $25,000+$913 | $5,000+$193 $10,000+$385 $25,000+$963 |
Min Deposit | $0 | $10 |
Snapshot view. Rates subject to change. | ||
Terms | Limited offer: The 4.00% includes a temporary 0.70% APY boost for 6 months. It is available with a direct deposit of regular income, or a $10/month subscription. See terms at SoFi Bank. The savings account comes bundled with a checking account with a 0.50% APY. | - |
| Features | FDIC InsuredNo MinimumsGreat iOS AppZelle® SupportedChecking Bundle | FDIC InsuredLow MinimumsGreat iOS App |
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.20% APY.
Comparison Analysis
Comparing SoFi Bank vs. Zynlo Bank
As of SoFi Bank offers an APY of 4.00% for its SoFi Savings account, with a minimum balance of $0, compared to Zynlo Bank's 3.85% APY for its Tomorrow Savings Account, with a minimum balance of $0.01.
Zynlo Bank pays $20 more than SoFi Bank on a $10,000 balance after one year. SoFi Bank pays $365 (with an effective APY of 3.65%), while Zynlo Bank pays $385 - an APY advantage for Zynlo Bank.
Why SoFi Bank?
- ✓Earn a $50 bonus with $1,000+ in direct deposits, or $300 with $5,000+.
- ✓Earn 0.50% APY on checking account with access to 55,000+ fee free ATMs
- ✓Higher potential APY (4.00% vs 3.85%) for a duration of 6 months (requires checking bundle)
- ✓Higher rated iOS app (4.8 vs 4.1)
- ✓Fast transfers via Zelle®
Why Zynlo Bank?
- ✓No checking account or direct deposit required
— Key Feature Differences —
Better Returns at $10,000
Zynlo BankZynlo Bank's Tomorrow Savings Account earns more on smaller deposits (approx. $385 vs $365/yr).
Better Returns at $25,000
Zynlo BankZynlo Bank's Tomorrow Savings Account pulls ahead with larger amounts (approx. $963 vs $913/yr).
Best for Simplicity
Zynlo BankZynlo Bank's Tomorrow Savings Account offers 3.85% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Over a 1-year period, Zynlo Bank's Tomorrow Savings Account pays $20 more interest on a $10,000 balance than SoFi Bank's SoFi Savings.
*This comparison accounts for SoFi Bank's introductory promotional rate, yet Zynlo Bank's standard rate still yields a higher 1-year return.
Executive Summary as of
SoFi Bank offers a competitive SoFi Savings account with an APY of 4.00%, which includes a temporary 0.70% boost for six months, available with a direct deposit or a $10/month subscription. This account is bundled with a checking account that has a 0.50% APY. In contrast, Zynlo Bank's Tomorrow Savings Account provides a slightly lower APY of 3.85%, but it stands out for its simplicity, requiring no direct deposit and no bundling. Both accounts are online-only and have no maintenance fees, but SoFi's higher APY makes it the winner in this comparison.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Non-sponsored link to official site
Non-sponsored link to official site
Top Market Contenders
SoFi Bank vs. Zynlo Bank Savings Calculator
You earn $20.1 more with Zynlo Bank than SoFi Bank on a $10,000 initial deposit for 1 year*.
*This calculation assumes that APYs remain unchanged for 1 year, and takes into account known promo rate periods, but does not factor in bonuses. You can see how often these banks have changed their rates in the Compare Savings Rates Over Time section below.
SoFi Bank
SoFi Savings
Promo Rate: 4.00% for 6 months, then 3.30%.
Savings Breakdown
- Interest Earned+$364.90(3.5%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,364.90
Zynlo Bank
Tomorrow Savings Account
Savings Breakdown
- Interest Earned+$385.00(3.7%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,385.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | SoFi Bank | Zynlo Bank |
|---|---|---|
| APY | 4.00% Range: 3.30% - 4.00% Verified: 1/21/2026 ↘︎ 0.50%90d Change | 3.85% Verified: 1/21/2026 ↘︎ 0.35%90d Change |
| Product Name | SoFi Savings | Tomorrow Savings Account |
| Minimum Deposit | $0 | $10 |
| Min. Balance for APY | $0 | $0.01 |
| Monthly Fee | $0 | $0 |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Direct Deposit Req. | While direct deposit is not required, the alternative is a subscription fee of $10/month | None |
| Checking Bundle | Yes | No |
| Mobile Apps | iOS4.8 Android3.9 | iOS4.1 Android3.5 |
| Zelle® Support | Available Native support added in 2024 for banking members. | Not Supported |
| BBB Rating | A+ | A+ |
| Important Notes | Limited offer: The 4.00% includes a temporary 0.70% APY boost for 6 months. It is available with a direct deposit of regular income, or a $10/month subscription. See terms at SoFi Bank. The savings account comes bundled with a checking account with a 0.50% APY. | - |
| Next Steps | Visit SiteVerify at SoFi Bank Non-sponsored link to official site | Visit SiteVerify at Zynlo Bank Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | SoFi Bank | Zynlo Bank |
|---|---|---|
| SoFi Savings | Tomorrow Savings Account | |
Current APY | 4.00% | 3.85% |
Trend | Stable | Stable |
Velocity (bps/mo) | 6.0 | -4.4 |
Days Since Change | 29 | 23 |
10-Month High | 4.50% | 4.35% |
10-Month Low | 3.80% | 3.85% |
Adjustments / Mo | 0.29 | 0.29 |
Volatility Score | 0.071 | 0.039 |
How to read these metrics(Click to expand)
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